Summary
Overview
Work History
Education
Skills
Languages
Timeline
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PAVAN KAKI

GUNTUR

Summary

Results-driven Manager with a proven track record in handling high-value loan proposals, builder project sourcing, and business development within the housing finance sector. Adept in KYC compliance, legal/technical due diligence, and customer documentation. Recognized for driving asset quality, controlling NPAs, and contributing the branch's profitability and operational excellence.

Overview

4
4
years of professional experience

Work History

Manager

HDFC Bank LTD
Vijayawada
03.2025 - Current
  • Appointed as the Double Checker for the high value proposals, leading end-end credit and business appraisals and decision making for loans involving CRE loans, Residential, Hospital and infra loans.
  • Handling Business and sales channel development, driving monthly targets by mobilizing sourcing teams, connecting with DSA networks creating focused field strategies across builder and retail segments.
  • Analyzed daily and monthly MIS reports, offering insights into business performance, credit quality and sourcing channel efficiency.
  • Ensured strict KYC compliance and documentation verifications for the customers as per regulatory guidelines; hence mitigating risk by identifying documentation gaps ensuring proper records pre-disbursement.
  • Overseeing loan processing activities from login to disbursement, including sanction notes, agreement execution, legal clearance, and technical approval of housing and non-housing loans.

Deputy Manager

HDFC Bank Ltd
Vijayawada
03.2024 - 02.2025
  • Spearheaded Credit assessment and underwriting for housing and non-housing loan proposals, ensuring internal credit policies and RBI guidelines.
  • Successfully sourced and elevated builder projects, partnering with developers to identify enhance financing opportunities aligned with business targets.
  • Risk analysis and portfolio monitoring, contributing to overall branch profitability and healthy asset quality.
  • Conducted in-depth market research and analysis, including data gathering, market trend analysis, risk assessment, and benchmark testing, to prepare comprehensive reports.
  • Collaborated with the Risk Advisory team to successfully reduce Non-Performing Asset (NPA) ratio in the Andhra Pradesh region from 9% to 5% by implementing effective risk mitigation strategies and proactively identifying potential fraud risks.
  • Serving as the primary point of contact (SPOC) for the Risk Team for the entire Andhra Pradesh region.
  • Maintained strong liaison with internal departments and ensured timely reporting and MIS compliance.

Assistant Manager

HDFC Bank LTD
Guntur
03.2023 - 06.2023
  • Provided valuations and advisory services to clients across the Palnadu and Guntur districts.
  • Collaborated with the BD and Operations teams over a period of one year to drive a substantial 44.44% increase in the annual loan book, achieving a growth from 216 CR to 312 CR through effective team coordination and strategic initiatives.
  • Consistently achieved a 90-93% on-time delivery rate for both indicative and actual valuations.
  • Successfully applied a range of valuation methodologies, including market approach, cost approach (land & building), residual, rent capitalization, and DCF analysis, to accurately determine the value of various assets.

Project Coordinator

D.E.C Infrastructure & Projects Hyderabad (India) Private Limited
Hyderabad
08.2021 - 01.2023
  • Oversaw the progress of multiple projects, ensuring timely completion and adherence to budgetary constraints.
  • Developed comprehensive cost comparatives and created detailed budgets for active projects.
  • Prepared and certified Client/PMC bills and Subcontractor bills.
  • Maintained meticulous documentation for all project-related activities.
  • Facilitated daily correspondence with clients, contractors, vendors, and other stakeholders to ensure smooth communication and project coordination.
  • Worked as a coordinator for both state and central government CPDWD works.

Education

PGDM -

NICMAR-National Institute of Construction Management and Research
Hyderabad
07.2021

BTECH -

VLITS AFFLIATED TO JNTUK
Guntur
05.2019

Skills

  • MS EXCEL
  • MS POWER POINT
  • MS WORD
  • ANALYTICAL SKILLS
  • LEADER
  • TEAM WORKER
  • CLIENT HANDLING & RELATIONSHIP
  • ASSERTIVE & CONFIDENT
  • RISK X

Languages

  • HINDI
  • ENGLISH
  • TELUGU

Timeline

Manager

HDFC Bank LTD
03.2025 - Current

Deputy Manager

HDFC Bank Ltd
03.2024 - 02.2025

Assistant Manager

HDFC Bank LTD
03.2023 - 06.2023

Project Coordinator

D.E.C Infrastructure & Projects Hyderabad (India) Private Limited
08.2021 - 01.2023

PGDM -

NICMAR-National Institute of Construction Management and Research

BTECH -

VLITS AFFLIATED TO JNTUK

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